Savings Rates | GIC/GIA: 1 to 6 years (Registered)

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Sorted by: Payment Frequency in descending order (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Minimum Deposit Term in Years
1 2 3 4 5 6
Caisses Desjardins Not compounded Semi-annually no 500 0.850 1.100 1.200 1.450 1.700 -
Laurentienne Trust Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentienne Trust Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Caisses Desjardins Not compounded Monthly no 500 0.850 1.100 1.200 1.450 1.700 -
Great-West Life Not compounded Monthly no 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly no 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly yes 500 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Great-West Life Not compounded Monthly no 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Laurentienne Trust Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Outlook Financial Not compounded Monthly yes 1,000 2.050 2.250 2.350 2.500 2.650 -
ATB Financial Semi-annually At maturity yes 500 0.600 0.600 0.750 0.900 1.250 -
ATB Financial Annually At maturity yes 500 0.850 0.850 1.000 1.150 1.500 -
ATB Financial Semi-annually At maturity no 500 1.380 1.550 1.500 1.750 1.950 -
ATB Financial Annually At maturity no 500 1.630 1.800 1.750 2.000 2.200 -
AcceleRate Financial Annually At maturity no 500 2.250 2.400 2.500 2.750 2.750 2.800
Achieva Financial Annually At maturity no 1,000 2.250 2.400 2.500 2.650 2.800 -
Alterna Bank Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
Alterna Savings Annually At maturity no 500 1.500 1.600 2.500 1.900 2.300 -
B2B Bank Annually At maturity no 1,000 1.500 1.850 2.050 2.200 2.360 -
BMO Bank of Montreal Annually At maturity no 500 1.000 1.150 1.350 1.600 1.950 1.950
BMO Bank of Montreal Annually At maturity yes 500 0.750 0.900 1.100 1.350 1.700 -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
CFF Bank Annually At maturity no 25,000 1.800 1.850 2.000 2.150 2.400 -
CFF Bank Annually At maturity no 5,000 1.750 1.800 1.950 2.100 2.350 -
CFF Bank Not compounded At maturity cashable 25,000 0.850 - - - - -
CFF Bank Not compounded At maturity cashable 10,000 0.750 - - - - -
CIBC Annually At maturity yes 500 0.650 0.850 1.000 - - -
CIBC Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Caisses Desjardins Annually At maturity no 500 0.900 1.150 1.250 1.500 1.750 -
Canada Life Annually At maturity yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Canada Life Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Canada Life Annually At maturity yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Canadian Direct Fin'l Annually At maturity no 500 1.810 2.060 2.260 2.410 2.560 -
Canadian Western Bank Annually At maturity no 500 1.560 1.810 2.010 2.160 2.310 -
Canadian Western Trust Annually At maturity no 5,000 1.250 1.400 1.600 1.850 2.100 -
Coast Capital Savings Annually At maturity no 1,000 1.550 1.650 1.950 2.050 2.250 -
Community Trust Annually At maturity no 1,000 1.750 2.250 2.420 2.420 2.650 -
Comtech Credit Union Annually At maturity no 50,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 1,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 100,000 2.100 1.700 2.000 2.150 2.850 -
Comtech Credit Union Annually At maturity no 200,000 2.100 1.700 2.000 2.150 2.850 -
Concentra Financial Annually At maturity no 1,000 1.250 1.450 1.700 1.900 2.000 -
DUCA Financial Services Annually At maturity no 500 1.600 1.950 2.000 2.350 2.600 2.600
Desjardins Fin. Security Annually At maturity yes 500 0.850 0.950 1.400 1.650 1.900 -
Effort Trust Annually At maturity no 1,000 1.950 2.100 2.300 2.400 2.600 -
Empire Life Annually At maturity yes 100,000 1.250 1.350 1.500 1.750 2.000 2.000
Empire Life Annually At maturity yes 50,000 1.125 1.225 1.375 1.625 1.875 1.875
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Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. These investments are registered for tax purposes as an RSP (retirement savings plan).

Prepared by Cannex on October 24, 2014

This information is current as of the date and time posted and is subject to change without notice.

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